Filing Flows › Civista Bancshares (CIVB) › Q3 2026
Civista Bancshares (CIVB) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Civista Bancshares (CIVB) reported revenue of $49.1M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +3% from the quarter before. Operating margin was 40.4%, net earnings $16.0M (32.6% of revenue).
Civista Bancshares, Q3 2026: revenue $49.1M (+11% year over year), operating margin 40.4%, net earnings $16.0M, operating cash flow $27.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $49.1M | +3% | +11% |
| Operating profit | $19.8M | +15% | +27% |
| Net earnings | $16.0M | +12% | +26% |
| Operating cash flow | $27.6M | +61% | +45% |
What changed
Revenue was $49.1M in Q3 2026, up 11% year over year and up 3% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $4.9M year over year (up 14%), 100% of the total change.
Operating profit was $19.8M, a 40.4% margin (up 4.9 points year over year). Of the extra revenue versus Q3 2025, 85% reached operating profit, above the 35% margin then. Total costs grew 3% against revenue growth of 11%. Net earnings were $16.0M, up 26% year over year. The effective tax rate was 19.1%.
Operating cash flow was $27.6M (up 45% year over year), 172% of net earnings. Working capital and other items added $11.6M.
Questions
What was Civista Bancshares' revenue in the third quarter 2026?
Civista Bancshares (CIVB) reported revenue of $49.1M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +3% from the quarter before.
Was Civista Bancshares profitable in the third quarter 2026?
Operating profit was $19.8M (40.4% of revenue) and net earnings $16.0M.
Source: Civista Bancshares 10-Q on SEC EDGAR.